You have a personal issue- car engine blows up, so you tell your tenant that they need to pay double the rent for one month so that you can get your car fixed?

Then a bank will lend on the two as if they were one and that will result in a higher lending amount.

Regarding the issue of rising interest rates, ensure that the DSCR remains robust under higher rates and lean towards fixed-rate loans.

If you want to fix and flip, find that person and repeat what works. 

This simply means you have language in your lease that states the landlord is responsible for paying utilities up to a certain $ amount (let's say $100 for the sake of argument).

Keep in mind refinancing costs typically range from 2%-5% of the loan amount, so weigh the upfront costs against the long-term savings to see what works best for your goals.Good luck!

What is advantageous is someone that is good at underwriting and unbiased (only analyzes the deal based on the underwriting without other emotions).Note i have a fair amount of experience and plan to place a competitive offer tomorrow that the underwriting dictates not placing a competitive offer.  

In calculating the actual construction loan amount will it be the 50k+construction costs?

How would the bank even know the gross pay amount?

I am a contractor and have been doing work for a broker. I have been offered a proposal to partner with the broker on a house what percentage do I ask for if I am providing all the labor and he is the money?